Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$91,355Cash toward the purchase price.
Closing costs + prepaids$10,643Not just lender fees.
Before credits & paid funds$101,999The complete starting cash picture.
Estimated remaining funds due at closing
$101,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,355.30
Your down payment$91,355.30
Closing costs + prepaids$10,643.45
Total buyer cash needed$101,998.75
Remaining funds due$101,998.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,192.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$841.25
Prepaid interest, first (5 days)$92.48
Fees + prepaids$10,643.45
Your down payment is the seller’s equity. You take over the $238,545 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $101,998.75 is due at closing. Uses and sources reconcile at $340,543.45 each. Not a Closing Disclosure.